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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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PROVIDENT SAVINGS BANK, F.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
PROVIDENT SAVINGS BANK, F.S.B. |
| Address | 3756 CENTRAL AVE
RIVERSIDE, CA 92506 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 9,072 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,797,966,000 |
| Average Mortgage Loan Amount Applied For | $292,061 |
| Highest Mortgage Loan Amount Applied For | $10,850,000 |
| Average Applicant Income | $128,384 |
| Highest Applicant Income | $6,528,000 |
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| Home Improvement |
748 | $191,932,000 |
$256,000 | $3,380,000 |
$111,000 | $1,061,000 |
| Home Purchase |
4,229 | $1,242,094,000 |
$293,000 | $10,850,000 |
$138,000 | $2,451,000 |
| Refinancing |
4,116 | $1,369,145,000 |
$332,000 | $5,800,000 |
$130,000 | $6,528,000 |
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| American Indian or Alaskan Native |
23 | $6,521,000 |
$283,000 | $672,000 |
$166,000 | $360,000 |
| Asian |
716 | $257,001,000 |
$358,000 | $10,850,000 |
$149,000 | $1,317,000 |
| Black or African American |
483 | $136,260,000 |
$282,000 | $2,000,000 |
$120,000 | $840,000 |
| Hispanic |
3,332 | $881,747,000 |
$264,000 | $2,875,000 |
$105,000 | $1,157,000 |
| Native Hawaiin or Other Pacific Islander |
102 | $33,454,000 |
$327,000 | $1,700,000 |
$116,000 | $423,000 |
| Not applicable |
25 | $53,462,000 |
$2,138,000 | $7,350,000 |
$3,000 | $80,000 |
| Not Provided |
880 | $282,499,000 |
$321,000 | $2,000,000 |
$133,000 | $720,000 |
| White |
3,532 | $1,152,227,000 |
$326,000 | $4,407,000 |
$158,000 | $6,528,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
9,041 | $2,794,383,000 |
$309,000 | $10,850,000 |
$133,000 | $6,528,000 |
| FHA-insured (Federal Housing Administration) |
51 | $8,698,000 |
$170,000 | $362,000 |
$61,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $90,000 |
$90,000 | $90,000 |
$72,000 | $72,000 |
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| Application Approved But Not Accepted |
300 | $89,970,000 |
$299,000 | $1,500,000 |
$109,000 | $548,000 |
| Application Denied By Financial Institution |
1,905 | $595,351,000 |
$312,000 | $3,760,000 |
$158,000 | $6,528,000 |
| Application Withdrawn By Applicant |
431 | $136,299,000 |
$316,000 | $4,407,000 |
$124,000 | $1,595,000 |
| File Closed For Incompleteness |
1,621 | $582,270,000 |
$359,000 | $10,850,000 |
$127,000 | $2,451,000 |
| Loan Originated |
4,820 | $1,395,204,000 |
$289,000 | $2,875,000 |
$126,000 | $2,400,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
16 | $4,077,000 |
$254,000 | $480,000 |
$110,000 | $480,000 |
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| Collateral |
244 | $78,249,000 |
$320,000 | $3,760,000 |
$170,000 | $1,380,000 |
| Credit Application Incomplete |
36 | $12,983,000 |
$360,000 | $2,063,000 |
$173,000 | $704,000 |
| Credit History |
663 | $183,439,000 |
$276,000 | $1,785,000 |
$131,000 | $3,190,000 |
| Debt-To-Income Ratio |
317 | $95,541,000 |
$301,000 | $2,000,000 |
$125,000 | $840,000 |
| Employment History |
43 | $12,146,000 |
$282,000 | $1,500,000 |
$124,000 | $780,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
128 | $43,245,000 |
$337,000 | $1,875,000 |
$163,000 | $693,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
147 | $58,875,000 |
$400,000 | $3,380,000 |
$205,000 | $2,631,000 |
| Unverifiable Information |
343 | $114,950,000 |
$335,000 | $1,875,000 |
$212,000 | $6,528,000 |
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Mortgage Loan App Totals for PROVIDENT SAVINGS BANK, F.S.B. by:
Metropolitan Area And
County
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